PO Box 6270
Parsippany, NJ 07054
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.60% →
1-Year CD 0.40% 1.55% →
2-Year CD 0.50% 1.45% →
5-Year CD 1.30% 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Union Building Trades is an NCUA insured institution located in Parsippany, NJ. It was founded in 1973 and has approximately $82.9 millions in assets.

NCUA Insured Yes
Charter Number # # 21244
Date Established 1973
Assets $82.90 million
Loans $41.40 million
Deposits $71.64 million
Capital $10.95 million

Field of Membership Restrictions

Membership is open to members of several local trade unions and their family.

Deposit Rates - June 2, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $5 - Learn More
Money Market
0.20% $2,500 $14,999 Learn More
Money Market
0.30% $15,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn More
6 Mo CD
0.30% $1,000 - Learn More
12 Mo CD
0.40% $1,000 - Learn More
24 Mo CD
0.50% $1,000 - Learn More
30 Mo CD
0.60% $1,000 - Learn More
60 Mo CD
1.30% $1,000 - Learn More
Fixed IRA
0.40% $1,000 - Learn MoreShow Less

Loan Rates - June 2, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for UNION BUILDING TRADES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
2.856% 2.750% 1.00 $3,482 $1,021 Learn More
NMLS ID: 2890
License#: MC-3098
3.019% 3.000% 0.25 $625 $1,055 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

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Below are Union Building Trades branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Union Building Trades Locations

Financial Details

Union Building Trades Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Union Building Trades. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Union Building Trades U.S. Average
2.01% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Union Building Trades had $234,224 in non-current loans and $0 in owned assets. To cover these potential losses it had $10,950,981 in net worth and $695,622 in loans loss reserves. That gives it a Texas Ratio of 2.01%.

Net Worth
Union Building Trades U.S. Average
13.2% 13.86%

Union Building Trades FCU has a net worth of 13.2% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Union Building Trades

Branches and Savings

What is Union Building Trades?

A federal credit union, registered with the NCUA under certificate #21244.
Learn more about credit unions here.

Is Union Building Trades FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Union Building Trades?

Please see Field of Membership information above for information on who is eligible to join.

What are Union Building Trades's share account and share certificate rates?

Union Building Trades's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Union Building Trades?

Union Building Trades has total capital of $10.95 million. Full information on Union Building Trades's financial position is located above.

Who owns Union Building Trades?

Credit Unions are owned by their members.

Where are Union Building Trades branches located?

See branch locations nearby.

Are Union Building Trades ATMs Open 24/7?

Do Union Building Trades ATMs accept cash deposits?

Can Union Building Trades customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Union Building Trades have a mobile app?

Does Union Building Trades have mobile deposit?

Does Union Building Trades have quick pay?

How can Union Building Trades transfer money to other banks or credit unions?

Does Union Building Trades report to credit bureaus?

Does Union Building Trades use Chexsystems?

Does Union Building Trades use Equifax?

What is Union Building Trades's toll free phone number?

What is Union Building Trades's ACH Routing Number?

What is Union Building Trades's SWIFT code?

Where can I find Union Building Trades's wire transfer form?

What is the Union Building Trades address for deposits?

What Products Does Union Building Trades Offer

Does Union Building Trades offer mortgages?

Compare mortgage rates here.

Does Union Building Trades offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Union Building Trades offer auto and RV loans?

Compare auto loan rates here.

Does Union Building Trades offer student loans or personal loans?

Compare personal loan rates here.

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